RBS (One Account) Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on RBS (One Account)’s changes. Even though using COMPLETIONmonitor is not a condition for being on the RBS (One Account) panel, demonstrating you can stay up to date with RBS (One Account)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel standing.

The software creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 328 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.3 days. In total, 55% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 10/10/2019 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc One Account approved lawyers clarification as to whether they lend on flying freeholds
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc One Account require ahead of sending the mortgage advance?
16.3.1 31/05/2016 CML
Transfer of Equity
The Royal Bank of Scotland plc One Account clarification as to whether they have a standard form of Transfer of Equity/Deed of Covenant?
6.7.1 12/02/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.14.1 30/11/2015 CML
Building Insurance
The Royal Bank of Scotland plc One Account approved lawyers additional requirements concerning building insurance
6.7.1 17/11/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/09/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.4 13/01/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : will the The Royal Bank of Scotland plc One Account proceed if the property does not have the benefit of a new home warranty scheme

Last update 08/01/2020

Frequently asked questions relating to the RBS (One Account) Solicitor Panel from members of the public

My fiance and I are hoping to buy a 3 bedroom apartment in Leeds with a mortgage from RBS (One Account). We have a lawyer but RBS (One Account) says he's not on their "panel". It seems we have little choice but to instruct one of the RBS (One Account) panel firms or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that RBS (One Account) use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the RBS (One Account) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for RBS (One Account)
Expecting to complete my purchase next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for RBS (One Account). What risks do RBS (One Account) expect the insurance to cover?
All property lawyers on the RBS (One Account) conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in RBS (One Account)’s Part 2 requirements of the CML Handbook (last updated on RBS (One Account)). Being on the RBS (One Account) conveyancing panel your lawyer is expect to follow these instructions.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the RBS (One Account) conveyancing panel. My lawyer has said that they are on the RBS (One Account) approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the RBS (One Account) conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the RBS (One Account) solicitor panel.
The lawyers that I appointed last week on my house acquisition in Hendon has suddenly closed. I chose them because I had to have a lawyer on the RBS (One Account) conveyancing panel and my previous lawyer was not. I gave them a cheque for £150 in advance. What do I do now?
Assuming that you have an Estate Agent in the equation then let them know immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the RBS (One Account) conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist
Is there a list of RBS (One Account) panel conveyancers on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
How can we tell if a solicitor on the RBS (One Account) panel is any good?
obtaining recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor conducting your conveyancing
Can I register a complaint to RBS (One Account) about the lawyers being on the RBS (One Account) conveyancing panel?
Complaining to RBS (One Account) about their conveyancing panel is unlikely to yield much of a response. Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.